In normal circumstances, if you have a bad or non-existent credit score you will likely struggle to get a standard credit card. However, many credit card issuers understand that circumstances can change for some people meaning that they are now in a position to use credit sensibly and build a credit rating using a card for bad credit (also known as a credit building card). Most issuers now offer a credit card for those people battling with a previous bad credit history, but at a price. Read more...>
| Product Name | Balance Transfer Intro |
Purchases Intro |
Representative APR (variable) |
Rewards |
|---|---|---|---|---|
Capital One Classic Extra
n/a
n/a
34.9%
APR
Cashback
Barclaycard Initial
n/a
0%
3 mths
29.9%
APR
Barclaycard Unwind
Aqua Classic
n/a
n/a
29.7%
APR
No Rewards
Aquis
n/a
n/a
29.8%
APR
No Rewards
Capital One Progress
n/a
n/a
29.9%
APR
No Rewards
Capital One Classic
n/a
n/a
34.9%
APR
No Rewards
Aqua Advance
n/a
n/a
34.9%
APR
No rewards
Aqua Classic Card
n/a
n/a
39.9%
APR
No Rewards
Vanquis Visa
n/a
n/a
39.9%
APR
No Rewards
Black Diamond Visa
n/a
n/a
59.9%
APR
No Rewards
Shout Visa
n/a
n/a
627.0%
APR
n/a
To compensate for the possible risk of non-payment, the issurs of credit cards for bad credit tend to charge higher rates of interest. So long as the balance is paid off every month, the user may build up a better credit rating which, in the long run, could lead to the opportunity of obtaining credit cards with better rates in the future.
Cards for bad credit offer access to funds, the chance to purchase items online or on the phone, and an opportunity to rebuild your credit rating (as long as the balance is met on time).
Cards for bad credit often have some additional features such as no annual fee, the opportunity to increase the credit limit after a few months and security safeguards such as warnings for unusual card activity.
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